Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in Harris County
Welcome to Harris County, where the vibrant city of Houston serves as a dynamic hub of culture, innovation, and opportunity. As a Senior Financial Advisor and Texas Attorney, I am thrilled to introduce myself to this thriving community. My name is Amy Zamikovsky, JD, CFP®, CPWA®, and I am committed to building legacies for generations through comprehensive financial advisory services.
Our Journey and Commitment to Harris County
With over 15 years of experience in wealth management, estate planning, and financial planning, my journey began with a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. My professional path has been shaped by my time at Merrill Lynch, where I earned my CERTIFIED FINANCIAL PLANNER® designation, and further honed at the Yale School of Management with a Certified Private Wealth Advisor® designation. As a fiduciary, I am legally and ethically bound to act in the best interests of my clients, ensuring their financial well-being is my top priority.
Harris County, home to bustling cities like Houston, Pasadena, and Baytown, is a region rich in diversity and economic potential. Here, I aim to address the unique financial needs of this community, offering tailored solutions that reflect the local culture and economic landscape. Whether you reside in the heart of Houston or the serene suburbs of Spring, my services are designed to meet your financial aspirations.
Our Services: Tailored to Your Needs
At the core of my practice is a commitment to personal attention and care. I am proud to be associated with esteemed organizations such as the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the Houston Bar Association’s Probate, Trusts & Estates & Litigation sections. These affiliations underscore my dedication to providing exceptional service and staying abreast of the latest industry developments.
Estate Planning: Collaborating with a team of professionals, including attorneys, trustees, and CPAs, I ensure your estate plan aligns with your financial goals and reflects your current wishes.
Wealth Management: Every investment recommendation is rooted in sound, conservative financial planning, ensuring your portfolio aligns with your values and goals.
Settlement Planning: We emphasize the superiority of financial planning and traditional wealth management over structured settlements, letting the numbers guide our strategies.
Windfall Planning: Strategic tax planning and retirement planning are crucial when managing sudden cash flow surges, laying the foundation for lasting prosperity.
Lottery Planning: Transform newfound wealth into a lasting legacy, protecting your family and assets for generations to come.
Tax Planning: Our tax planning services cover estate, gift, income, and capital gains taxes, providing a clear strategy for optimal financial outcomes.
Retirement Planning: Whether preparing for retirement or already retired, I offer guidance through all life stages, ensuring your financial security.
Exit Planning: Maximize your business’s value and preserve your legacy with our comprehensive financial planning services.
401(k) Optimization: Align your retirement account with your broader financial goals, avoiding common pitfalls and maximizing opportunities.
Divorce Financial Planning: Navigate the complexities of divorce with expert guidance, ensuring informed decisions and financial independence.
Personal Divorce Strategist: As your dedicated advocate, I combine my legal and financial expertise to protect your interests throughout the divorce process.
Inheritance Planning: During difficult times, I assist in managing and administering estates, providing support and guidance every step of the way.
Serving Clients Nationwide
While my roots are firmly planted in Texas, my expertise extends far beyond Harris County. I proudly serve clients nationwide, offering financial planning services to those with multiple residences and extensive travel schedules. My approach is always humble and appreciative, valuing the trust and opportunity given by each client.
Contact Information
I invite you to reach out and explore how we can work together to achieve your financial goals. Please note that meetings are by appointment only at our Houston office:
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Thank you for considering my services. I look forward to the opportunity to build a lasting legacy with you in Harris County and beyond.
Pre-and-Post Divorce Financial Planning in Harris County with Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Introducing Amy Zamikovsky, JD, CFP®, CPWA® to Harris County
At the heart of Texas, Harris County is a vibrant and diverse region, home to a rich tapestry of cultures and communities. As the most populous county in Texas, it boasts a dynamic economy and a robust legal and financial landscape. Here, in this bustling environment, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, offers her extensive expertise in financial planning and wealth management. With over 15 years of experience, Amy is dedicated to helping individuals navigate the complexities of financial planning, particularly during the challenging times of divorce.
Divorce Financial Planning
Divorce can be a daunting process, especially in a county as expansive and diverse as Harris County. We understand your concerns because we’ve been there ourselves. Our approach is rooted in empathy and expertise, ensuring that you receive the guidance you need during this critical period.
Fact-Finding
In Harris County, where the economy is as varied as its people, understanding your financial landscape is crucial. We take the time to get to know you—the real you. Our thorough and compassionate approach delves into every detail impacting your financial future. By providing clarity and confidence during the financial negotiations of your divorce, we help you lay a strong foundation for the future you deserve.
Planning
The next chapter of your life begins here, in the heart of Texas. We craft customized financial strategies tailored to your unique goals, both current and future. In a county known for its economic opportunities, we work together to identify your short-term needs while building long-term financial independence. Our meticulous planning process illuminates all that is possible in your new phase of life.
Implementation
In Harris County, where collaboration and innovation thrive, turning plans into action is how real transformation begins. We work alongside you and your trusted legal and financial professionals to streamline your financial life and put our strategies into motion. As your fiduciary, we ensure that every personalized recommendation is truly in your best interest.
Why Choose Tax-Planned Financial Planning?
In a region as economically diverse as Harris County, the importance of tax-planned financial planning cannot be overstated. The benefits of choosing a well-structured financial plan far outweigh those of structured settlements. Numbers don’t lie, and the math decisively supports the superiority of strategic financial planning. By focusing on tax efficiency and wealth management, we help you maximize your financial potential in this thriving county.
Our Commitment to Harris County
While we are introducing ourselves to Harris County, we are not implying that we are located here or planning to move. Instead, we represent clients around the world, including those in Harris County. Our commitment is to provide unparalleled financial guidance and support, ensuring that you can confidently navigate your financial journey, no matter where you are.
Contact Information
Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
In the heart of Harris County, where opportunity meets diversity, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, stands ready to guide you through the intricacies of financial planning, ensuring your future is as bright as the Lone Star State itself.
Harris County Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Congratulations, Harris County lottery winners! You’ve just hit the jackpot, and your life is about to transform in ways you’ve only imagined. Amidst the excitement and thrill of sudden wealth, you face crucial decisions that will shape your financial security for generations to come. As a CERTIFIED FINANCIAL PLANNER® professional, Certified Private Wealth Advisor® professional, and attorney with over 15 years of experience guiding high-net-worth individuals, I’m here to help you navigate this exhilarating yet overwhelming time with confidence and clarity.
Preserve Your Winnings
Safeguarding your newfound wealth is of utmost importance. Without proper legal structures and financial strategies, your millions could be at risk from taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I’ll assist you in:
- Creating a trust and estate plan to protect assets and minimize taxes
- Assembling a team of vetted attorneys, CPAs, and bankers
- Maintaining your privacy and security
- Managing incoming donation and investment requests
Plan for a Lifetime of Wealth
Your jackpot doesn’t have to be a one-time cash bonanza. With savvy planning, it can be the seed money for growing lifelong wealth. Drawing on my extensive experience as a CFP® professional and CPWA® professional, I’ll craft a personalized wealth management plan to help you:
- Define your short and long-term lifestyle and legacy goals
- Invest for optimal growth, income, and capital preservation
- Maximize tax efficiency through strategic accounts and asset allocation
- Secure your retirement with income-generating investments
- Establish trusts and gifts for future generations
Give with Confidence
If philanthropy is one of your priorities, it is my personal pleasure to guide you in turning one-time gifts into enduring charitable vehicles. With the right tools, like donor-advised funds and family foundations, you can translate your values into impact and establish a giving legacy that inspires your family for generations.
Enjoy Your Winnings
Now is the time to reward yourself and your loved ones! I’ll show you how to prudently earmark funds for a dream home, travel, a college fund, or that sports car you’ve always had your eye on. With a balanced approach, you can savor the fruits of your blessings while staying on track for long-term financial health.
Why Trust Amy Zamikovsky?
Hitting the jackpot thrusts you into the complex world of sudden wealth, where one wrong move could mean losing millions. You need a financial quarterback who understands the unique challenges of navigating an overnight fortune and has a track record of success with high-net-worth clients.
As a CFP® professional and CPWA® professional with over 15 years of experience, I’ve helped countless individuals and families translate sudden windfalls into lasting wealth. My background as an attorney also allows me to craft ironclad legal strategies to protect your assets from potential threats.
From the moment you claim your prize, I’ll be by your side as your personal CFO, investment expert, and legal advocate. I’ll filter the noise, educate you on your options, and always place your interests first so you can relax and enjoy your spectacular windfall with total peace of mind.
Your Best Day Ever Could Be Today
If you’re holding a golden ticket, don’t wait to plan for this life-changing event. Contact me for a complimentary, confidential consultation to discuss how I can help you maximize your winnings, minimize your stress, and secure the carefree future you deserve. There’s no better time to start planning for tomorrow than today.
We’re here for you every step of the way.
This is my location. Remember that we are just introducing ourselves to Harris County, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to Harris County.
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Harris County Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes
Winning a significant case and securing a $1 million contingency fee is a momentous achievement. However, when a structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity, it may seem appealing at first glance. But is it truly the optimal financial decision? For attorneys, even those in the highest tax bracket, the answer is often a resounding no. Here’s why savvy trial lawyers in Harris County work with a CERTIFIED FINANCIAL PLANNER® professional to analyze the numbers before making a decision.
The True Cost of Deferral
Imagine you’re in the top federal tax bracket of 37%. On a $1 million fee, that translates to a $370,000 tax bill if you take the lump sum. While this may seem daunting, let’s explore the potential outcomes of investing the remaining $630,000 versus deferring the entire $1 million over 20 years:
Scenario 1: Invest $630K Lump Sum
- 6% annual return: $2.0 million in 20 years
- 8% annual return: $2.9 million in 20 years
Scenario 2: Defer $1M as $50K/Year for 20 Years
- Total payments: $1 million
- Net result after 20 years: $1 million
The difference is striking. Even after paying $370,000 in taxes, you could end up with $1-1.9 million more by taking the lump sum and investing it. The long-term benefits are even more pronounced. Over 30 years at an 8% return, the lump sum grows to $6.4 million after tax, compared to just $1.5 million with deferral.
Lost Opportunity and Liquidity
Beyond the sheer wealth disparity, a lump sum provides invaluable liquidity and leverage. Should you need funds for a lucrative investment or an unexpected expense, you can access a securities-based loan. Banks typically do not lend against deferred fees. If you wish to adjust your investments or estate plan, a lump sum offers flexibility, whereas deferred funds are locked away.
More Tax-Efficient Growth
Structured settlement companies often highlight “tax-free growth,” but with strategic planning, you can significantly outperform deferral after tax:
- Maximize contributions to pre-tax retirement plans for tax-deferred growth
- Use after-tax dollars in a Roth IRA for tax-free growth
- Allocate assets tax-efficiently across different account types
- Harvest tax losses to offset gains
- Take advantage of the lower long-term capital gains rate
A skilled CERTIFIED FINANCIAL PLANNER® professional, particularly a Certified Private Wealth Advisor® professional, can help you devise a more tax-efficient strategy than the blunt deferral method.
The Hidden Fees
Another pitfall of deferral is hidden commissions. Structured settlement brokers often take 4% or more off the top. On a $1 million fee, that’s $40,000 of your money lost—an amount that could grow to $452,593 over 30 years at an 8% return! In contrast, investing your lump sum in low-cost index funds incurs a fraction of the fees.
Don’t Defer Without Professional Analysis
Before considering a structured settlement proposal, consult an experienced CERTIFIED FINANCIAL PLANNER® professional to model your unique scenario. More often than not, you’ll find that the compounding effect of investing your after-tax lump sum far outweighs any perceived benefits of deferral, even in the highest tax bracket.
If you’re interested in a personalized professional assessment of an upcoming fee decision, contact us today to discover how we can help you maximize your hard-earned wealth.
This is My Location
Remember, we are introducing ourselves to Harris County, not implying that we’re located there or planning to move there. We represent clients worldwide, including but not limited to Harris County.
Office Address (By Appointment Only) 820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Moving Forward with Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in Harris County! We’re Here for You!
Welcome to Harris County, a vibrant and diverse region known for its dynamic economy and rich cultural tapestry. Nestled in the heart of Texas, Harris County is home to Houston, the fourth-largest city in the United States, and a hub of innovation and opportunity. As a resident or business owner in this bustling area, you understand the importance of strategic financial planning to navigate the complexities of wealth management and estate planning.
Why Choose Tax-Planned Financial Planning in Harris County?
In Harris County, where the economy is as diverse as its population, choosing tax-planned financial planning can significantly enhance your financial well-being. Unlike structured settlements, which may offer limited flexibility, tax-planned strategies provide a comprehensive approach to managing your wealth. The numbers tell the story: with tax-efficient planning, you can maximize your returns and minimize liabilities, ensuring your financial goals are met with precision and clarity.
Introducing Amy Zamikovsky, JD, CFP®, CPWA®
Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth, bringing over 15 years of expertise in wealth management, estate planning, and financial planning. With a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy combines her legal acumen with financial expertise to offer customized strategies that build, preserve, and transfer wealth efficiently. Her passion for educating and protecting the public is evident in her development of a State Bar of Texas CLE course, which focuses on ethics, fiduciary duty, and legal settlement planning.
Our Specialty Services in Harris County
Estate Planning
In Harris County, estate planning is a crucial component of financial security. We collaborate with your team of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan aligns with your financial objectives and reflects your current wishes.
Wealth Management
Our wealth management services are grounded in conservative financial planning principles. We ensure that your portfolio aligns with your goals and values, providing a solid foundation for long-term growth and stability.
Settlement Planning
Even in the case of settlements, traditional financial planning often outperforms structured products. We let the math speak for itself, demonstrating the financial superiority of our strategies, even after taxes.
Windfall and Lottery Planning
Harris County residents experiencing a financial windfall or lottery win can benefit from our strategic planning services. We help you integrate newfound wealth into your existing financial framework, ensuring lasting prosperity and a secure legacy.
Tax Planning
Our tax planning services in Harris County cover estate, gift, income, and capital gains taxes. We work closely with CPAs to implement optimal strategies that align with your financial goals.
Retirement and Exit Planning
Whether you’re preparing for retirement or planning your business exit, our comprehensive services help you maximize value, minimize taxes, and preserve your legacy. We guide you through every stage of life, ensuring a smooth transition into your next chapter.
401(k) Optimization
Our 401(k) optimization services ensure your retirement account aligns with your broader financial goals. As a fiduciary CFP® professional, Amy provides advice on your entire financial picture, even for assets not directly managed by us.
Divorce Financial Planning and Personal Divorce Strategist
Navigating divorce in Harris County requires expert guidance. Our divorce financial planning services offer objective, informed advice, while our Personal Divorce Strategist services provide dedicated advocacy to protect your interests throughout the process.
Inheritance Planning
In times of loss, our inheritance planning services offer compassionate support and expert guidance. We help you assemble a team of professionals to manage and administer estates effectively, ensuring your loved one’s wishes are honored.
Our Firm’s Expertise: Specializing in Portfolios > $1M+
We cater to high-net-worth families, business owners, medical professionals, and more, offering tailored financial solutions that meet the unique challenges and opportunities of Harris County. Our clients include corporate executives, founders, professional athletes, and retirees, all benefiting from our comprehensive approach to wealth management.
Nationwide Service with a Local Touch
While we proudly serve clients nationwide, our expertise extends to the unique needs of Harris County residents. Whether you’re a high-earning professional or a lottery winner, our personalized financial strategies empower you to build and sustain generational wealth.
For more information or to schedule an appointment, please contact us at:
Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Discover how Attorney Amy Zamikovsky, JD, CFP®, CPWA®, can help you achieve your financial goals in Harris County and beyond. Let us guide you toward a prosperous future with confidence and clarity.
